Let's face it. This coronavirus crisis has lasted longer than most of us would have ever anticipated. I'll admit that I thought this was going to be a one- or two-week situation, and then we would go back to "normal". But fast forward, here we are.
Businesses have shut down for several weeks, events have been cancelled indefinitely, and stay-at-home orders are in place all across the country. As a result, many of you may have been laid off or furloughed and are trying to think about what to do next. I've got you covered! Below I share answers some of the questions you may be asking right now, so keep reading!
1.Should I file for unemployment benefits?
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Absolutely! File for unemployment benefits as soon as possible. You are eligible for unemployment if you are out of work through no fault of your own, i.e. you have been laid off, furloughed, or your company has closed due to the coronavirus impact. However, each state has its own eligibility requirements and fine print, so you'll want to do your due diligence before filing. CareerOneStop, which is sponsored by the U.S. Department of Labor, has created a site to make the research and filing for unemployment benefits a lot easier: Find Unemployment Benefits.
Good news is, with the passing of the federal CARES Act (the law from Congress that is making those $1,200 stimulus checks possible), you can get additional and/or extended benefits on top of your state's unemployment program. The CARES Act allows you to get an additional $600 per week for a limited time, and a 13-week extension on unemployment benefits beyond your state's maximum.
And if you didn't have a job with traditional unemployment (think independent contractors and gig workers), you are now eligible to receive unemployment benefits.
2.Should I let my “bill” companies or landlord know that I’ve lost my job and need assistance?
This is not a time to be prideful or bashful. If you need assistance or a grace period with paying your bills or rent, ask for it. Many utility and credit card companies are offering temporary hardship programs, payment plans with longer end dates, or simply delaying payments, so take advantage and get the reprieve that you need. You may simply need to fill out an application to do so. If you can call the customer service lines, that can prove helpful as you have the opportunity to speak with someone directly vs. just filing the application blindly.
3.I don't have a job or a lot of money saved up. How do I handle my finances right now? What should I do with my stimulus check?
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First things first, cut back on any unnecessary spending. Luckily, we've been in the house a while, so hopefully you've been able to save on gas, food, and personal care (my nails are beyond struggle mode right now). But now would be a good time to trim the fat in your budget wherever you can. Subscriptions you don't need, the premium TV package, that vacation you were planning to go on. Limit your discretionary spending and focus only on the critical needs.
If you have a hobby or side hustle that you can monetize while you're back on the job search, kick it into high gear. Platforms like Wix, Weebly, WordPress, and Google offer free websites to get you up and running. The extra income will help provide a cushion and bridge the gap until you're able to secure your next full-time job opportunity.
If you get a stimulus check, tax refund, or other windfall of cash, now is NOT the time to pay down debt. I know that goes against conventional wisdom, but hear me out. As previously mentioned, you may be able to get a break on some of your obligations if you contact your lenders and explain your current employment situation. Wouldn't it be a waste for you to pay off your credit cards right now, only to run the balances back up due to lack of income? Save those extra dollars you receive as you may need them to live on as it may take time to find a job.
4.Julia, companies are FIRING, not hiring. How do I even find a job right now? How do I approach my job search at a time like this?
Not ALL companies are downsizing or laying off workers during this crisis. In my last article, "How To Thrive As A Job-Seeker In Today's Job Market", I shared a list of industries that are hiring during this crisis including remote communications and online learning. So you CAN get back into the workforce! But how do you get started?
First, take a minute to determine if you are in urgent need to just get a job (ANY JOB, ANYWHERE) or if you can be more patient in your search to find the right opportunity. If you're in urgent need, research the companies that are hiring and what roles are available. Next, take an inventory of your most marketable skills and expertise. Do you have extensive technical/software knowledge? Are you a customer service boss? Whatever your skills may be, make note and then compare them to the open positions to see where you may find a match.
If you haven't dusted off your resume or LinkedIn profile in a while, use this extra time to spruce them up so you can submit a competitive job application. But you know that you can't just apply. Networking should and will be your best friend right now. With everyone at home and online, you can start connecting with recruiters, hiring managers, decision-makers, and current employees and begin conversations. Set up informal Zoom meetings or phone calls. Start working the virtual "room" and start being seen.
For more information about Julia Rock, check out Rock Career Development or follow her on Instagram and Twitter.
Featured image by Shutterstock
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Skylar sees things differently. At the time, she was shooting content on her iPhone. Temi came into the picture with a new perspective, an understanding of tech, and, eventually, a camera. “He doesn't give himself enough credit,” Skylar says. “He wasn't just my tripod. He wasn't just standing behind the camera and going ‘click.’ He was giving advice. He was giving me insight to how I could look at things from a different perspective. And I was like, 'Oh, he’s an artist.' I think it was maybe a heartbeat of that kind of energy of like, ‘Baby, can you take this picture?’ And it turned so quickly into, we're partners. We can work together in a way where we're advancing each other's creative thinking.”
The pair often says they’re two sides of the same coin. Skylar is an Aquarius. She attended art school, paints, and loves poetry. She’s more than happy to let the couple’s management firm and agency, Kensington Grey, handle their admin work. And, she loves to sleep in. Temi, on the other hand, wakes up early. He’s a Virgo. He loves a to-do list and regularly checks in on the couple’s brand partnerships spreadsheet to make sure everything is on track.
Because his storytelling was steeped in his love of technology, he didn’t always think of himself as a creative person. “Where I [am] the dreamer who wants to pluck things out of the sky and spend all day with my head in the clouds, Temi [is] so good at grounding me and helping me figure out how to make things make sense on paper. We just work together in such a complimentary way,” Skylar says.
It’s been more than six years since Brooklyn-based couple Temi and Skylar started dating, and nearly four since they cemented their working relationship. On TikTok and Instagram, the couple’s travel, fashion, and home content regularly rack up hundreds of thousands of views. They’ve worked with brands such as Coach, Aesop, Away, and Liquid IV, bringing their vibrant perspectives to every campaign they execute. Still, nearly two years since both Temi and Skylar committed to full-time content creation and creative directing, the couple says their romantic connection remains their priority.
“We told each other we would much rather go back to full-time jobs and preserve our relationship than to be full-time freelancers, barely getting a night's rest [and] barely kissing each other because we're so busy shooting,” Skylar says.
Working from home can make it hard to separate work from personal life for any entrepreneur. It can be even more challenging when your business partner is also your lover. Temi and Skylar had already used couples therapy as a tool to help them effectively communicate with one another. When they ran into challenges while working together, their therapist helped them set physical boundaries to help combat the issues.
"We told each other we would much rather go back to full-time jobs and preserve our relationship than to be full-time freelancers, barely getting a night's rest [and] barely kissing each other because we're so busy shooting."
“It actually took us doing very specific physical things to create boundaries between work and play in our relationship,” Skylar says. “So, for instance, we will only have conversations about work when we're out of bed or we're at the table or in the office. Initially, when we started, we had to light a candle to say that, 'Okay, this is a space where we're connecting, we’re not talking about work.' We needed really hard boundaries at the top. And then it became a little bit more organic.”
The boundaries have been crucial to implement, especially because the couple began working together so naturally. When the pair first met, Skylar was NY-based a social strategist for BuzzFeed and was using content creation to drive business to her lingerie company. She was shooting her own content. Temi was working for Microsoft in D.C. He’d recently traded in his DJing equipment for a camera. “I've always loved taking pictures,” he says. “Even when I was a kid, my African mother would wake me up at 3:00 a.m. [during a] party, and be like, 'Come take the family picture.'”
Growing up, Temi says he watched his parents support each other and be the true definition of partners. He knew he wanted the same for his own relationship. But, the couple also wanted to make sure they were being financially responsible. The pair didn’t quit their traditional jobs until they’d saved up two years' worth of their cost of living. And, Temi received his Master of Business Administration from New York University with the knowledge that it could either help him advance in his corporate career or be applicable to his business with Skylar.
Temi and SkylarCj Hart @hartbreakToday, they say their working relationship is more of a “quiet dance.” They still implement some of the boundaries they learned in therapy, but they also lean into their natural strengths and deep love for one another. When we speak, Temi has planned a date for the couple to see Princess Mononoke in 4K IMAX and added it to their Notion so they can factor it into their busy schedules. “I fully plan to date for the rest of my life,” he says.
Skylar says the couple doesn’t just wait for date nights to check in with one another, though. This often happens in the mornings, after Temi has made her peppermint tea and poured himself a cup of coffee. When they ask each other how they slept, she says, it’s not just a “nicety.” It’s a genuine question meant to foster connection.
“A lot of it happens during the day in the midst of work. We'll stop and we'll hug. Or we’ll slow dance in the kitchen,” she says. “Sometimes it's hard to set a whole date night when you have 7,000 things going on. So, we must grasp these moments and check in when we can. And I think it's become so organic to us that I actually didn't even realize how often we do it. But all day long, we're like, 'Are you good? I felt like your energy shifted,' because we're best friends, we just know. We just feel it happen.”
What’s better than being in love? Building wealth while doing it. Watch Making Cents here for real stories of couples who make money moves together.
Featured image by Cj Hart @hartbreak
I thought that it was important to address this term for a couple of different reasons. One is for the reason that is mentioned in the origin story of sobergasms that I will address in just a sec. Another is because…people who are in long-term committed relationships? I think it’s pretty safe to say that, unless they both have some sort of substance abuse situation going on, most of them have sex some, if not most of the time, without alcohol (and certainly without drunkenness) being involved. Those who engage in casual/recreational sex, though? Well, I’ve got some stats included in this piece that will show you how much alcohol and copulation go hand in hand in a lot of those instances.
And although some studies say that casual sex (i.e., hook-up culture) isn’t quite as rampant as it was, even just a few years ago, at the same time, let’s not act like it isn’t still happening. Hell, every time we hop on social media, we see evidence (and sometimes fallout) of that. Plus, while many people are out here declaring that they don’t want or need marriage anymore (chile) — do you hear them saying that they feel the same way about sex?Yeah…exactly.
With all of this being said, let’s take a moment to look into what sobergasms are really all about and why, if you are sexually active and are not in anything serious, you should strongly consider having (more of) them.
The Origin Story of Sobergasms Is…
GiphyAight, so here’s the backstory of sobergasms. Last year, right around the holiday season, the sexual wellness brand Lovehoney decided to partner up with an alcohol-free drink company (CleanCo) to create a mocktail (I will share the recipe in just a sec) — you know, a cocktail that doesn’t have any alcohol in it. They did it because their UK (where they are based) research revealed that people tend to drink almost 40 percent more during the holidays (in the US, Americans reportedly drink twice as much as they usually do around that time).
If you add to that the fact that Lovehoney conducted their own study which cited that 64 percent of participants have admitted to having sex while being intoxicated and yet only 20 percent said that they actually enjoyed it.
And that was the main motivation for why Lovehoney came up with sobergasms: it’s a way to encourage people to be more intentional about going without drinking (so much) so that they can engage in the kind of sex that they will actually find to be pleasurable; especially since their findings also discovered that only 29 percent of men and 11 percent of women have consistent orgasms when they are drunk compared to 45 percent of men and 15 percent of women who do when they are sober.
As I thought about all of this, I decided to go on my own fact-finding mission about alcohol and its relationship to sex. It helped me to come up with even more reasons to cosign on sobergasms — and I’m hoping that it will do the same thing for you.
Before I share 10 interesting stats, first, the recipe for the mocktail that Lovehoney and CleanCo came up with:
Sobergasm Clean Drink
25ml fresh lime juice
50ml CleanCo Clean T
1 tbsp fresh orange juice
1 tbsp hot honey
Sea salt, chili flakes, and lime for garnish
You can click here for thorough instructions on how to make it. Over on this side of the pond, we’re pretty big on mocktails ourselves and so, if you'd like to test out some other recipes, check out “10 Spring/Summer Cocktails (& Mocktails) That Your Vagina Will Truly Enjoy” and “Sexy Sips: 8 Fall-Themed Mocktails That Are Aphrodisiacs Too.”
And while you’re pondering which mocktail you would actually like to try first, let’s get into some other reasons why oftentimes “less is best” when it comes to mixing sexual activity with alcohol consumption.
10 Stats to Keep in Mind When It Comes to Mixing Sex with Alcohol
GiphyWhen it comes to how many people partake in alcoholic beverages, Gallup cites that 65 percent of Americans who are over the age of 21 claim to do so. Out of those, the average amount of drinks that they consume on a weekly basis is around four. The preferred drink of choice? Wine (31-35 percent) with liquor being a close second (30 percent). Now factor all of this into your mind as you read the following information about alcohol and its relationship to sex:
1. One study revealed that almost 30 percent of participants were less safe when it came to their sexual decisions due to them having alcohol in their system.
2. About half of the sexual assaults that happen on college campuses involve alcohol whether it’s the perpetrator, the victim, or both.
3. Among college-aged women, when they are having sex while in a relationship, alcohol is involved 20 percent of the time. When it’s casual sex? Alcohol is involved 53 percent of the time (heavy drinking happened a whopping 36 percent of the time).
4. 42 percent of college students binge drink and 400,000 of them have sex without using a condom while consuming alcohol.
5.One study revealed that almost 72 percent of college students regretted their sexual decisions at least once. Out of the ones surveyed, almost 32 percent said that alcohol was involved when they did.
6.Of people aged 18-25, more individuals regretted having sex while having alcohol in their system than they did when it came to weed or ecstasy.
7. Women tend to participate in “non-traditional” sexual acts and masturbate more when they are intoxicated than when they are sober.
8. Although a small amount of alcohol in a woman’s system can arouse them sexually, high amounts will decrease it and can even make it harder for them to become naturally lubricated.
9. Alcohol increases the probability of having more sex partners for women.
10. Alcohol can make it more challenging for women to climax.
When you take all of this in, although I certainly appreciate how Lovehoney has brought to our attention that too much alcohol can make sex less physically pleasurable, as you can see, it can also make coitus more risky, potentially more dangerous and it can cause us to make some pretty unwise decisions, if we’re not careful as well.
And so honestly, this additional intel should further solidify why you should be uber cautious and super careful if you are going to bring alcohol into the picture when it comes to having sex with another person — again, especially if it’s recreational sex. Because even though intercourse, on average, lasts between 3-7 minutes (Google is right there), that small window of time can result in a lifetime of consequences that you may not wish to experience.
Besides, it’s not like sober sex doesn’t have its own benefits…
5 Benefits of Having Sex While You’re Completely Sober
GiphyYou know what’s interesting about the word “sober”? It doesn’t just mean that you aren’t drunk; it also means that you are “rational,” “self-controlled” and “level-headed” — and yes, when you are about to have sex with someone who you aren’t in a serious, long-term or exclusive sexual relationship with, it’s best that you are all of these things. Because while alcohol can initially make you feel like sexual activity will be more fun, sober sex has the following five proven things to offer.
1. You can better trust your decisions. Recently, I watched a video of four women who taped and posted themselves driving drunk. Moments later, all of them were ejected from the vehicle that they were in and only one survived (and she is in critical condition). Imagine if they could go back in time and go without having alcohol in their system before getting in that vehicle. SMDH.
When it comes to today’s topic, no matter what pop culture tries to tell you, any act that can potentially result in you conceiving or contracting something that doesn’t have a cure is serious as all get out. That’s why, especially when it comes to casual sex, you want to make sure that you go into the act as level-headed as possible — and you can only really do that if/when you are sober.
2. You can clearly articulate your needs and expectations. We’ve all seen a movie (or personally know someone) where a woman got tipsy and wanted to do certain sexual things; however, as alcohol began to affect her system even more, she wasn’t sure if she wanted to go further or not. When you’re sober, it’s so much easier to articulate what you want/don’t want and what your expectations are. T
hat said, there are so many people who have sex-related regrets and a big part of the reason is because alcohol totally clouded their judgment and sometimes altered their thoughts and words. Definitely something to (always) keep in mind when it comes to consuming alcohol in the presence of others.
3. You’re more present. I also want to make sure that I touch on some of the things that prompted Lovehoney to come up with sobergasms in the first place. As far as the purely pleasurable side of sex goes, ask anyone who has a satisfying situation in their bedroom and I’m willing to bet that one thing that they will advise is to not overthink the experience and to remain in the moment.
When you’re intoxicated, your mind tends to be all over the place. When you’re sober-minded, it’s easier to remain focused.
4. Sex definitely tends to be more pleasurable. I’ve already shared with you that you are wetter and it’s easier for you to climax when you don’t have a lot of alcohol in your system. A part of the reason is that, since your brain is your biggest sex organ, it’s important to keep in mind that alcohol has a way of negatively affecting the communication pathways of your brain; when that happens, it can cause your moods to become erratic and you tend to become less coordinated too.
Not well-lubricated. Not climaxing. In a bad mood. Do those that sound like the keys to an awesome sexual experience? Right…absolutely not.
5. There is a lot less regret. Once you have sex with someone, you can’t take it back. That’s why it’s so important that you go into the act feeling like this is something that you really want to do (the person and the acts included); you significantly decrease the chances of you having this type of certainty when you’re not sober. And sexual regret can sometimes be one of the hardest things to get past.
____
Sobergasms. Although there seem to be new terms that come up daily, one that I can definitely get behind is that. Because it encourages everyone to be sober-minded and sexually responsible in order to ultimately have a more fulfilling sexual experience.
And I will certainly raise a mocktail to that.
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